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Jan 12, 2013
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together we put in place a stronger environment in which the private sector can create good paying jobs, and virginia is now outperforming its neighboring states. we have also worked hard together to get our fiscal house in order. three years ago, together we closed a budget shortfall of $6 billion without raising taxes. the results were good. we have had three consecutive budget surpluses totaling $1.40 billion. we more than doubled the rainy day fund. we gave two 3% performance bonuses to our great state employees. we have maintained virginia aaa bond rating while the federal government was losing theirs. we bolstered agency efficiency. we eliminated and consolidated dozens of boards and commissions and agencies and programs to save money. we set priorities and cut spending. in the last three years, i have recommended and you have accepted cuts and reallocations of spending of more than a billion dollars, and i thank you for that. we have made government live within its means. we put the most defunding into transportation since 1986 and stayed within zero or five%, self-imposed debt l
together we put in place a stronger environment in which the private sector can create good paying jobs, and virginia is now outperforming its neighboring states. we have also worked hard together to get our fiscal house in order. three years ago, together we closed a budget shortfall of $6 billion without raising taxes. the results were good. we have had three consecutive budget surpluses totaling $1.40 billion. we more than doubled the rainy day fund. we gave two 3% performance bonuses to our...
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Jan 7, 2013
01/13
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it means creating a living environment for the people of haiti, and the government has the instruments available, the tools available to it to make a goal of regional planning. these instruments, the national center, supported by funds from the european union and others for regional planning, which, again, you contribute to with your funds. i wish to thank you for this contribution. let me say that our administration will use these funds to the hilt. in the longer time frame, so we can leave our fingerprints on the haitian area. as you can see in this area, this is on the front of those helping us. europe is at the forefront, able to continue to inspire everyone, and as the world realizes, they cannot go it alone. it has to be in the regions, the larger regions, so we can find a single voice, so we can give each other mutual support while maintaining identity. the caribbean region and the island's large and small, without any exclusion, will emerge one day as a genuine union of independent states and will drive the full benefits conferred upon it due to its strategic position. this is
it means creating a living environment for the people of haiti, and the government has the instruments available, the tools available to it to make a goal of regional planning. these instruments, the national center, supported by funds from the european union and others for regional planning, which, again, you contribute to with your funds. i wish to thank you for this contribution. let me say that our administration will use these funds to the hilt. in the longer time frame, so we can leave...
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Jan 12, 2013
01/13
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the combination of policies that are not hostile to business and an environment which actually welcomes new businesses and new jobs is working. it is clear. in a competitive world, policies matter. companies have choices. job-creators have choices. that is why our work is far from done. that is why a top priority must be to continue new jersey's record of excellence in education and to fix problems where we are failing. in higher education, the task force led with skill by former governor tom kean has helped us develop strategies for making new jersey's institutions more competitive. we need to turn new jersey's universities -- including rutgers -- from good to great, because that will help us keep more talented new jersey students in new jersey and will strengthen the link between higher education and high quality jobs. at the heart of these reforms we need, of course, is the plan to make sure that new jersey's critically important medical and health sciences institutions remain world class. by merging rutgers and umdnj in the north and rowan and umdnj's stratford campus in the south,
the combination of policies that are not hostile to business and an environment which actually welcomes new businesses and new jobs is working. it is clear. in a competitive world, policies matter. companies have choices. job-creators have choices. that is why our work is far from done. that is why a top priority must be to continue new jersey's record of excellence in education and to fix problems where we are failing. in higher education, the task force led with skill by former governor tom...
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Jan 9, 2013
01/13
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the combination of policies that are not hostile to business and an environment which actually welcomes new businesses and new jobs is working. it is clear. in a competitive world, policies matter. companies have choices. job-creators have choices. that is why our work is far from done. that is why a top priority must be to continue new jersey's record of excellence in education and to fix problems where we are failing. in higher education, the task force led with skill by former governor tom kean has helped us develop strategies for making new jersey's institutions more competitive. we need to turn new jersey's universities -- including rutgers -- from good to great, because that will help us keep more talented new jersey students in new jersey and will strengthen the link between higher education and high quality jobs. at the heart of these reforms we need, of course, is the plan to make sure that new jersey's critically important medical and health sciences institutions remain world class. by merging rutgers and umdnj in the north and rowan and umdnj's stratford campus in the south,
the combination of policies that are not hostile to business and an environment which actually welcomes new businesses and new jobs is working. it is clear. in a competitive world, policies matter. companies have choices. job-creators have choices. that is why our work is far from done. that is why a top priority must be to continue new jersey's record of excellence in education and to fix problems where we are failing. in higher education, the task force led with skill by former governor tom...
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Jan 7, 2013
01/13
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you have to do it in a way, this is the long story behind it in terms of protecting the environment when you explore for and ultimately reduce resources from a place like the arctic, the drive behind is the belief that the world will need these energy resources, something like a 1/4 of the world's energy resources from an oil and gas perspective are in the arctic. so that's the -- in such a short period of time, that's really all i can tell you, it's all about doing that right, it's about the scrutiny from regulators and n.g.o.'s and outside parties about whether or not we're doing it the right way but that's what supports the program. >> obviously the arctic, i've been north of the arctic circle a couple of times and it's a very fragile and precious place and more of it is becoming accessible, sadly, to the melting ice. so we've got to be extremely careful there because oil doesn't break up as fast if it spills as it does in warmer ecosystems. those who think a lot about climate change, it's pretty easy to be depressed. it's pretty doom and gloomy when you see how fast this is coming on
you have to do it in a way, this is the long story behind it in terms of protecting the environment when you explore for and ultimately reduce resources from a place like the arctic, the drive behind is the belief that the world will need these energy resources, something like a 1/4 of the world's energy resources from an oil and gas perspective are in the arctic. so that's the -- in such a short period of time, that's really all i can tell you, it's all about doing that right, it's about the...
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Jan 10, 2013
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and it is as free as possible from early judgment so that you create an environment around learn in. >> my name is david sherman from the american federation of teachers. i want to say that the american federation of teachers, as was mentioned, was very involved in the development of the common core, not we as an organization, but hundreds of teachers around the country. we support it with every fiber of our being. we want to see it work. but we are very nervous. we are mainly norris -- nervous because what we are hearing from all over the country' with few exceptions is that teachers are not being prepared or given the right kind of professional development. they have a few days of the workshop. but teachers, and frankly, parents, are just not being prepared. i do have a question. since there is no teacher voice here, and going to take a moment if you do not mind. just a minute. the fact of the matter is, teachers are very supportive of the common core. teachers all across the country, but they want help to do it the right way, and they are not getting it. the federal government put
and it is as free as possible from early judgment so that you create an environment around learn in. >> my name is david sherman from the american federation of teachers. i want to say that the american federation of teachers, as was mentioned, was very involved in the development of the common core, not we as an organization, but hundreds of teachers around the country. we support it with every fiber of our being. we want to see it work. but we are very nervous. we are mainly norris --...
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Jan 12, 2013
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it is good for the environment, it is good for the economy. we want to create the charge new york program. this is the future, my friends, and we want to invest in an electric car network to reduce reliance on fossil fuels, installing a state wide network of charges stations and have a new york to be one of the four runners in this race all across the country. we want to attract a national start to lead our efforts. we want to introduce you to the former senior adviser to the u.s. secretary of energy, steven chu. he is leaving washington, he is coming to new york. he is going to lead our efforts. welcome aboard. [applause] one of our other challenges is to have a ready work force. our work force training is still from a different era. we have talked about this for many years but we have not made enough progress. we must match and train our work force for the jobs of today and tomorrow. we must change and we imagine the way suny and cuny systems work. we need a job linkage program, jobs are coming back from overseas. that is the good news. what
it is good for the environment, it is good for the economy. we want to create the charge new york program. this is the future, my friends, and we want to invest in an electric car network to reduce reliance on fossil fuels, installing a state wide network of charges stations and have a new york to be one of the four runners in this race all across the country. we want to attract a national start to lead our efforts. we want to introduce you to the former senior adviser to the u.s. secretary of...
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Jan 13, 2013
01/13
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the environment is going to still be very dangerous. but what we've seen is that afghan soldiers are stepping up at great risk to themselves. and that allows us then to make this transition during the spring. what that translates into precisely in terms of how this drawdown of u.s. troops proceeds is something that isn't yet fully determined. i'm going to be over the coming weeks getting recommendations from general allen and other commanders on the ground. they will be designing and shaping a responsible plan to make sure that we're not losing the gains that have already been made, to make sure that we're in a position to support afghan units when they're in theater. and to make sure that our folks are also protected even as we're drawing down. so i can't give you a precise number at this point. i'll probably make a separate announcement once i've gotten recommendations from the generals and our commanders in terms of what that drawdown might look like. with respect to post 2014, we've got two goals. and our main conversation today was
the environment is going to still be very dangerous. but what we've seen is that afghan soldiers are stepping up at great risk to themselves. and that allows us then to make this transition during the spring. what that translates into precisely in terms of how this drawdown of u.s. troops proceeds is something that isn't yet fully determined. i'm going to be over the coming weeks getting recommendations from general allen and other commanders on the ground. they will be designing and shaping a...
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Jan 8, 2013
01/13
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. >> do you think there is a way we can do corporate reform in this environment? >> is extremely difficult but i think one really positive thing that came out of this fiscal debates this time is that for the first time in a long time, the business community unified around a concept of getting our deficit under control. they were not as worried about their individual tax breaks that might go as a result of having some reform. i hope that mood continues. that was a one group does not argue over one other or about accelerated depreciation and so forth. i am more hopeful that a more unified view from the business community is possible this time. >> i want to say one thing -- i'm not fully knowledgeable about this. i was at a meeting earlier today we're in noted tax expert said you cannot do corporate reform and not to individual reform because when we change the parameters, a whole lot of entities shifted from c corporations to other forms that were taxed on the individual side. if you lower rates on the corporate tax and get away with some of the preferences for oil
. >> do you think there is a way we can do corporate reform in this environment? >> is extremely difficult but i think one really positive thing that came out of this fiscal debates this time is that for the first time in a long time, the business community unified around a concept of getting our deficit under control. they were not as worried about their individual tax breaks that might go as a result of having some reform. i hope that mood continues. that was a one group does not...
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Jan 9, 2013
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. >> the interment of the -- environment of the narcotrafficker forces in uncertainty. when they raise an orchard or vineyard and turns it into a poppy field -- when he is not sure what is learned happened to him or his family, they turn to narcotics. it takes three months to grow it. it does not need refrigeration or economic integration, nothing. if we see an increased degree of uncertainty, we would probably see more poppy cultivation. it would be listed economic activities. -- illicit economic activities. the leadership [indiscernible] in the areas where the economy is thriving, we have seen a reduction of narcotics and cultivation of the poppy. in areas where we see most of the fighting, that is where most of the poppies are grown. >> let me close with a final question. jim used a number of statistics. one that struck me is i have the right to a 52% of the afghan population thought the country is going on in the right direction. my question to each of you, what is your view? is the country going in the right direction and are you optimistic or pessimistic as we loo
. >> the interment of the -- environment of the narcotrafficker forces in uncertainty. when they raise an orchard or vineyard and turns it into a poppy field -- when he is not sure what is learned happened to him or his family, they turn to narcotics. it takes three months to grow it. it does not need refrigeration or economic integration, nothing. if we see an increased degree of uncertainty, we would probably see more poppy cultivation. it would be listed economic activities. -- illicit...
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Jan 9, 2013
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it is inspired our youth and deepen our understanding of the youth and environment. in recent years, nasa's ability to carry out its mission has been eroded. in that regard, it is estimated that nasa's purchasing power has decreased by 18% from fiscal year 1992 to 2012. last year's budget was about $1 billion less than fiscal year 2010. the cumulative impact of this budgetary instability has been felt by all of nasa's programs and its institutional infrastructure. this problem is highlighted by nasa's inspector general in a recent report. we will hear similar concerns raised by the national research council with us today as he discusses a recently released report. the issues considered by the panel are not new to this committee. we have heard them raised in one form or another. we hope the findings of the n.r.c. will encourage the congress and administration to put nasa on a firmer footing and recognized nasa for the national asset that is. we should recognize that those programs are long-term undertakings. that is a challenge. we will face it in the coming months an
it is inspired our youth and deepen our understanding of the youth and environment. in recent years, nasa's ability to carry out its mission has been eroded. in that regard, it is estimated that nasa's purchasing power has decreased by 18% from fiscal year 1992 to 2012. last year's budget was about $1 billion less than fiscal year 2010. the cumulative impact of this budgetary instability has been felt by all of nasa's programs and its institutional infrastructure. this problem is highlighted by...
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Jan 8, 2013
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given the domestic political environment, international situation, we are in, the weakness of our economy there is nothing of the seven or eight in the cards. it is worth looking at a 10 to realize why we are not in the best of all possible worlds. issue one is the big enchilada, in dealing with the long-term fiscal balance that we face in 8 sensible way. i would have given a 10 to what folks were talking about the new was unachievable, the grants bargain be -- the grand bargain taxes that would have stabilized the debt to gdp ratio. that would have been a package somewhere in the 2-$3 trillion range. the tiny between the election in the first to work out all those details. irrespective of that, we have two political party snarling at each other and not a whole lot in the way of negotiations. that was not in the cards. nine would have come from enacting some big pieces accompanied by a framework that would specify how the rest of the puzzle would be put together over the next six months. some incredible enforcement mechanism that would be sure that balance of the task would be accomplishe
given the domestic political environment, international situation, we are in, the weakness of our economy there is nothing of the seven or eight in the cards. it is worth looking at a 10 to realize why we are not in the best of all possible worlds. issue one is the big enchilada, in dealing with the long-term fiscal balance that we face in 8 sensible way. i would have given a 10 to what folks were talking about the new was unachievable, the grants bargain be -- the grand bargain taxes that...
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Jan 10, 2013
01/13
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it is good for the environment, it is good for the economy. we want to create the charge new york program. this is the future, my friends, and we want to invest in an electric car network to reduce reliance on fossil fuels, installing a state wide network of charges stations and have a new york to be one of the four runners in this race all across the country. we want to attract a national start to lead our efforts. we want to introduce you to the former senior adviser to the u.s. secretary of energy, steven chu. he is leaving washington, he is coming to new york. he is going to lead our efforts. welcome aboard. [applause] one of our other challenges is to have a ready work force. our work force training is still from a different era. we have talked about this for many years but we have not made enough progress. we must match and train our work force for the jobs of today and tomorrow. we must change and we imagine the way suny and cuny systems work. we need a job linkage program, jobs are coming back from overseas. that is the good news. what
it is good for the environment, it is good for the economy. we want to create the charge new york program. this is the future, my friends, and we want to invest in an electric car network to reduce reliance on fossil fuels, installing a state wide network of charges stations and have a new york to be one of the four runners in this race all across the country. we want to attract a national start to lead our efforts. we want to introduce you to the former senior adviser to the u.s. secretary of...
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Jan 15, 2013
01/13
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now, within the interior and environment appropriations there's money for wastewater and sewer treatment projects, things that haven to be done -- have to be done. we have to provide that money. i think we have about a billion and a half dollars to do that. certainly if we september the rogers-frelinghuysen -- if we accept the rogers-frelinghuysen amendment. and this bill is whole with that amendment which we should strongly support. there's an amendment to require -- to take away mr. frelinghuysen's effort to allow a waiver on historic preservation. well, yes, it should be done. these localities don't have that kind of money. and a lot of the revenue coming into these economies is coming from tourism. they come to see historic structures. they come to see the way that many parts of the northeast were. when we were building the foundation of this country. that money should be made available in whole with federal dollars. mr. frelinghuysen's amendment is right on point. it needs to be included. so i know i'm getting to -- i've got a good speech written to thank you. we've got wonderful st
now, within the interior and environment appropriations there's money for wastewater and sewer treatment projects, things that haven to be done -- have to be done. we have to provide that money. i think we have about a billion and a half dollars to do that. certainly if we september the rogers-frelinghuysen -- if we accept the rogers-frelinghuysen amendment. and this bill is whole with that amendment which we should strongly support. there's an amendment to require -- to take away mr....
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Jan 9, 2013
01/13
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we look at a budget constrained environment. we do believe we concur with what you're saying in terms of the long term view. objectives are starting points. there is a consensus about those goals and objectives. as we had any witnesses and did it is important. it is important there is clarity in terms of the direction. the plan can identify what the trades are in that portfolio going forward. there is a starting point upon which some choices can be made. >> i think you will find industry joining. there is the ability to bring together the public and private sector international. it is certainly an excellent step in the right direction. there the upcoming reauthorization process, it is not so far away that you will have to tackle it. there are conflicting views about this. let's keep in mind that building the capabilities to get into deep space, the ability both in terms of heavy launch as well as microcapsules and tackling some of the research. we do not have all the answers are in deep space radiation and bone density. this cri
we look at a budget constrained environment. we do believe we concur with what you're saying in terms of the long term view. objectives are starting points. there is a consensus about those goals and objectives. as we had any witnesses and did it is important. it is important there is clarity in terms of the direction. the plan can identify what the trades are in that portfolio going forward. there is a starting point upon which some choices can be made. >> i think you will find industry...
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Jan 15, 2013
01/13
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the national council for silence and the environment host as forum on the disasters and environment. after remarks by fema director craig fugate, the lessons will focus on hurricane katrina, the ongoing drought and earthquake in japan on c-span 3 at 8:30 eastern. on c-span 2 at 9:00 a.m. eastern, a brookings institution conference on innovation and the economy. panelists in the day long event are scheduled to include the presidents and c.e.o.'s of alcoa, procter & gamble and nike. >> he had been talking about this dream he'd had. he talked about it for years, the american dream, and that it had become his dream and he had been in detroit just a few months before and he had talked about, you know, i have a dream that america will some day realize these principles and the declaration of independence. so i think he was just inspired by that moment. >> sunday on "after words" clayborn carson recalls his journey as a civil rights activist participating in the march on washington. it's part of three days of book tv this weekend, monday, featuring authors and books on the inauguration, pres
the national council for silence and the environment host as forum on the disasters and environment. after remarks by fema director craig fugate, the lessons will focus on hurricane katrina, the ongoing drought and earthquake in japan on c-span 3 at 8:30 eastern. on c-span 2 at 9:00 a.m. eastern, a brookings institution conference on innovation and the economy. panelists in the day long event are scheduled to include the presidents and c.e.o.'s of alcoa, procter & gamble and nike. >>...
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Jan 9, 2013
01/13
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the combination of policies that are not hostile to business and an environment which actually welcomes new businesses and new jobs is working. it is clear. in a competitive world, policies matter. companies have choices. job-creators have choices. that is why our work is far from done. that is why a top priority must be to continue new jersey's record of excellence in education and to fix problems where we are failing. in higher education, the task force led with skill by former governor tom kean has helped us develop strategies for making new jersey's institutions more competitive. we need to turn new jersey's universities -- including rutgers -- from good to great, because that will help us keep more talented new jersey students in new jersey and will strengthen the link between higher education and high quality jobs. need, of course, is the plan to make sure that new jersey's health sciences institutions remain world class. by merging rutgers and umdnj in the north and rowan and umdnj's stratford campus in the south, we will enhance three established hubs of educational excellence i
the combination of policies that are not hostile to business and an environment which actually welcomes new businesses and new jobs is working. it is clear. in a competitive world, policies matter. companies have choices. job-creators have choices. that is why our work is far from done. that is why a top priority must be to continue new jersey's record of excellence in education and to fix problems where we are failing. in higher education, the task force led with skill by former governor tom...
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Jan 9, 2013
01/13
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[applause] we are getting an environment where business can grow, an environment that has been created by all of you and especially the leadership of governor cuomo. [applause] leadership that has companies like mine following a path to new york. tid pleasure of meeting the governor last month and it is my pleasure and honor to introduce him to you now, the governor of the state of new york, andrew comb month -- cuomo. >> [applause] >> thank you, thank you very much. thank you very much. happy new year new york. first, let me acknowledge and thank the greatest partner a governor could ever had lieutenant governor bob duffy who has been magnificent in the work he had done for this state. the question can one person make a difference in life. bob duffy has made a tremendous difference aross this state and we oh him gratitude. let's give him another round of applause. [applause] to the elected and legislative leaders who have been introduced once before, it's a pleasure to be with you. attorney general, thank you for being here. co-leaders senators, pleasure to be with you, assembly speak
[applause] we are getting an environment where business can grow, an environment that has been created by all of you and especially the leadership of governor cuomo. [applause] leadership that has companies like mine following a path to new york. tid pleasure of meeting the governor last month and it is my pleasure and honor to introduce him to you now, the governor of the state of new york, andrew comb month -- cuomo. >> [applause] >> thank you, thank you very much. thank you very...
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Jan 10, 2013
01/13
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. >> the interment of the -- environment of the narcotrafficker forces in uncertainty. when they raise an orchard or vineyard and turns it into a poppy field -- when he is not sure what is learned happened to him or his family, they turn to narcotics. it takes three months to grow it. it does not need refrigeration or economic integration, nothing. if we see an increased degree of uncertainty, we would probably see more poppy cultivation. it would be listed economic activities. -- illicit economic activities. the leadership [indiscernible] in the areas where the economy is thriving, we have seen a reduction of narcotics and cultivation of the poppy. in areas where we see most of the fighting, that is where most of the poppies are grown. >> let me close with a final question. jim used a number of statistics. one that struck me is i have the right to a 52% of the afghan population thought the country is going on in the right direction. my question to each of you, what is your view? is the country going in the right direction and are you optimistic or pessimistic as we loo
. >> the interment of the -- environment of the narcotrafficker forces in uncertainty. when they raise an orchard or vineyard and turns it into a poppy field -- when he is not sure what is learned happened to him or his family, they turn to narcotics. it takes three months to grow it. it does not need refrigeration or economic integration, nothing. if we see an increased degree of uncertainty, we would probably see more poppy cultivation. it would be listed economic activities. -- illicit...
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Jan 14, 2013
01/13
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eye 77
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that is a very rich interest level, in our current interest- rate environment. you have to wonder if the bank is not just holding on to your loan to maintain a high level of interest? but i wonder if this may be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstance to get a mortgage because the banks are still recovering from all of the bad loans that they made during the real-estate mania. >> one other issue that was brought up was the issue of debt-income ratio, and this is something richard spoke about and what he would do with the qualified loans. american hero joe says, what did he mean by 20% of the grossly month in come? explain this issue for us? >> this goes to the heart of the ability to repay the loan issue, that described a little bit ago. we don't want people taking on loans they cannot afford to repay, that leads us to problems. what they have decided is that 43% is the outside level, if your mortgage debt, plus or other debt, with car loans or consumer debt or credit
that is a very rich interest level, in our current interest- rate environment. you have to wonder if the bank is not just holding on to your loan to maintain a high level of interest? but i wonder if this may be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstance to get a mortgage because the banks are still recovering from all of the bad loans that they made during the real-estate mania. >> one other...
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Jan 7, 2013
01/13
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you cannot talk about the environment without talking about energy. you cannot talk about energy and the environment without the economy. it is a nation's competitive position. these issues are interrelated. they are representing their people in america's capital. they understand this. they understand the great global issues facing us all are in fact global. we live in a global community. whatever framework of challenges you think we face, and their international. terrorism. extremism. the most insidious of all, in despair. with the framework of despair comes poverty. one man is without dignity, and not much else matters. there will be a consequence. did the human condition will always dictate in the end of the world will respond. i say at the beginning of the book an individual that many of you are familiar with. hornbee.ourtney b i think his greatest work was the history of civilization. it is a large book. i was able to get through a good deal of it. there are many pictures. he make some observations that i think are particularly relevant. i do thi
you cannot talk about the environment without talking about energy. you cannot talk about energy and the environment without the economy. it is a nation's competitive position. these issues are interrelated. they are representing their people in america's capital. they understand this. they understand the great global issues facing us all are in fact global. we live in a global community. whatever framework of challenges you think we face, and their international. terrorism. extremism. the most...
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Jan 14, 2013
01/13
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that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was something richard cordray talked-about. this is from american hero joe. explain this issue for us. guest: this goes to the heart of the ability to repay the loan. we do not want people taking on loans that they cannot afford to repay. 43% is the outside level. if your mortgage debt sure other debt -- car loans, credit cards -- exceed 43% of your growth or pre-tax income, then that is too much. that is a loan that is becoming too onerous and you might have trouble repaying. anything below 43% is acceptable as a qualified mortgage. anything above that s
that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was...
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Jan 8, 2013
01/13
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>> we are all products of our experience, of our environment where we come from. i have been tempered by that experience about war. what war means, the consequences, who has to fight it. all of that experience is part of me and how i look at policy, how i look at our foreign policy, how i look at our military policy, how i judge consequences, how the world sees us, their trust in our purpose, in our power. no question that much of the questioning i've done about iraq even before we went in was conditioned tempered by that experience in vietnam. and whatever i will do in my life, whether it's in politics or outside, those experiences shape me just like anyone who has gone through war, those experiences shape you very much. one of the things it does is it makes you less inclined i suspect to jump into war. it's easy to get into war, not very easy to get out as evidenced by the johnson tapes. and you need to think through these things. diplomacy is critically important especially in the world we live in today. i think something else is important here and certainly it
>> we are all products of our experience, of our environment where we come from. i have been tempered by that experience about war. what war means, the consequences, who has to fight it. all of that experience is part of me and how i look at policy, how i look at our foreign policy, how i look at our military policy, how i judge consequences, how the world sees us, their trust in our purpose, in our power. no question that much of the questioning i've done about iraq even before we went...